Quick Overview
Pros & Cons
✅ Pros
- ✓ Lifetime Free - Zero joining and annual fees forever
- ✓ Dual network support - Both Visa and RuPay in single card
- ✓ UPI credit payments via RuPay network
- ✓ High reward rate up to 4% on travel bookings via Scapia app
- ✓ Zero forex markup on international transactions
- ✓ Unlimited domestic lounge access (with minimum spend)
- ✓ 100% redemption possible on Scapia app
- ✓ Single statement for all network transactions
- ✓ Instant virtual card activation
❌ Cons
- ✗ Minimum spend requirement for lounge access (₹10K-₹15K monthly)
- ✗ Limited redemption only on Scapia app
- ✗ Recent history of credit limit reductions
- ✗ No welcome bonus offer
- ✗ High interest rates (45% per annum)
- ✗ No add-on cards currently available
🎯 Best For
About This Card
The Federal Scapia Credit Card is a lifetime free co-branded card by Federal Bank & Scapia. Enjoy dual Visa + RuPay networks, zero forex markup, unlimited domestic lounge access and powerful Scapia Coins rewards — all with no joining or annual fee.
Key Features & Benefits
| Feature | Benefit |
|---|---|
| Annual & Joining Fee | ₹0 (Lifetime Free) |
| Rewards on Travel | 20% Scapia Coins on bookings via Scapia app |
| Rewards on All Spends | 10% Scapia Coins on online & offline transactions |
| Scapia Coin Value | 5 Coins = ₹1 |
| Unlimited Lounge Access | Spend ₹10,000 pm (Visa) or ₹15,000 pm (RuPay) |
| Forex Markup | 0% on international transactions |
Why Choose Scapia?
Compared to premium travel cards with high fees, the Scapia Credit Card delivers similar perks fee-free. Unlimited domestic lounge access, a unified statement for credit & UPI spends, plus broad travel redemption make it a top choice for frequent travelers.
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How to Maximize Your Benefits
- Book via Scapia app: Unlock 20% Scapia Coins on flights, hotels, trains and visa services.
- Meet lounge spend requirement: Maintain ₹10K–₹15K monthly to access unlimited domestic lounges.
- Use Scapia Coins: Redeem 100% for travel bookings; no caps on redemption.
- Combine networks: Use Visa for acceptance abroad and RuPay for UPI credit payments.
Table: Scapia Referral Program
| Referrals | Reward |
|---|---|
| 1 friend | 1,000 Scapia Coins |
| 3 friends | 4,000 Scapia Coins |
| 5 friends | Apple Watch SE or 24,500 Coins |
Join the Scapia Credit Card Referral Offer to earn guaranteed rewards. Referring 5 friends gets you an Apple Watch SE or equivalent coin value!
Step-by-Step: How to Refer
Read More about Scapia Refer & earn
- Download & register on the Scapia app.
- Get your Federal Scapia Credit Card approved.
- Copy your unique referral link.
- Share with friends and encourage them to activate their cards.
- Earn coins or an Apple Watch SE when milestones are met.
FAQs
Is the Scapia Credit Card really lifetime free?Yes — zero joining fee and zero annual fee forever.
How do I redeem Scapia Coins?
Use them 100% for travel bookings on the Scapia app at a rate of 5 coins = ₹1.
What is the lounge access requirement?
Spend ₹10,000 on Visa or ₹15,000 on RuPay variant per month to unlock unlimited domestic lounge access.
Conclusion & Call-to-Action
The Federal Scapia Credit Card combines fee-free travel perks with a powerful referral program. Whether you’re unlocking lounges, earning high-value Scapia Coins or grabbing an Apple Watch, this card rewards you every step of the way. Apply now, refer friends, and start maximizing your benefits!
Reward Program
Scapia Coins Rewards
Eligibility Criteria
📄 Required Documents
- 📄 PAN Card
- 📄 Aadhaar Card
- 📄 Salary slips (last 3 months) or Form 16
- 📄 Bank statements (last 6 months)
- 📄 Address proof documents
- 📄 Recent passport-sized photograph
Frequently Asked Questions
Ready to Apply for Federal Scapia Credit Card?
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